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The Rules Have Changed: How Surcharging Can Lower Credit Card Acceptance Costs

Explore how surcharging can help U.S. businesses reduce credit card acceptance costs.

First page of the guide: The Rules Have Changed: How Surcharging Can Lower Credit Card Acceptance Costs

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Reduce Costs

Identify hidden fees and pricing opportunities.

Make Informed Decisions

Understand your options with clear comparisons.

Improve Efficiency

Streamline your payment operations.

Drive Growth

Keep more of your revenue to invest in your business.

What's Inside

A Practical Guide for Business Owners

Explore how surcharging can help U.S. businesses reduce credit card acceptance costs. This white paper explains processing fees, outlines surcharge rules, and presents SaaS and membership case studies covering savings and shifts to ACH payments. It recommends independently verifying the rules cited as payment requirements change.

PDF | 7 pages | Updated for 2026

Understand how interchange, card brand fees, processor fees, and rewards programs affect acceptance costs.

Included in the Payment Optimization guide.

Review the document’s surcharge limits, card eligibility, registration, receipt, and disclosure requirements.

Included in the Payment Optimization guide.

Explore SaaS and membership case studies reporting total monthly savings of $662,455 and $1,401,465, respectively.

Included in the Payment Optimization guide.

See how customers shifted to ACH payments to avoid credit card surcharges.

Included in the Payment Optimization guide.

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